NRMA Travel Insurance Beware beware when using them for travel insurance
Contacted this Company over a year ago to take out Travel Insurance for a trip on a cruise to Hawaii AND French polynesia for August 29th this year for 35 days returning 3rd October. Was told Yes! we will cover you, Pay the fee o$4500.00 I did that, then received a questionnaire in the Post asking about my Medical condition (after I had paid the $4500.00 ) I filled it out and what came back was an online paperwork policy that deleted just about every medical condition you can think of, however when I first made contact spoke to M...an he said Yes! you are indeed covered. But pay up first, which I did. I have had two stents have slight High Blood pressure and am 78 yrs old a woman. Nothing else is wrong with me. Imagine how I felt when I read all the deletions what a rip off. I would never had paid had I known that in the first place. They even said I would not be covered for any Respiratory condition, kidney disease etc etc. when I asked for a hard copy of the policy was told by man again they would send it out Well it never came. my Girlfriend said Well my dear what are you covered for? I said probably only malicious damage and maybe theft. I certainly feel cheated and conned I insisted on a hard copy but it was never sent out I am doing a world cruise next year 106 days and I wont be insuring with NRMA I will use Covermore SO Take NOTE all travellers. Don't pay any money until you have absolute proof that all your health needs will be covered. My advice is dont insure with NRMA
Definitely not a fan
My husband knocked out his whole front tooth in Thailand the day before we flew home. Logically, we therefore sought treatment in Australia as the trauma to his gums had to recede before restoration could happen (we had our dentist write a letter stating this as well). NRMA denied our claim as they do not provide insurance for services in Australia. This is ridiculous, would they have preferred we stayed overseas for another two weeks until it could be fixed? Paid accommodation, flight changes, daily costs etc? Should we have risked a sketchy d...entist in Thailand? I understand the policy is reasonable in most circumstances, but I think that exceptions should be made in exceptional circumstances and travellers should not be punished for making a logical decision. What if we stayed for another two weeks and they still denied our claim? They certainly don't make decisions on claims quickly.
Don’t do it. Get different insurance for overseas that supports you ,they are good in Australia NOT Overseas
I purchased full comprehensive travel ins for myself and 2 sons .I’m in hospital in east Germany now into my 5th day. I got plurisey some how and had to continually call Nrma/cover more
they don’t believe me about my condition
Only today they said they would pay for hospital E5000. Who has that sort of money at the end of their trip availanle.
I warn everyone going o/s look elsewhere
You need cover that works in none English speaking countries and believes you. When policy purchased none of this was declared only after when claim made
NRMA travel Insurance
I am currently overseas and needed to contact emergency assistance as I had fallen ill with gastro, fainted and hit my head. I was taken to hospital just over 7 days ago and NRMA insurance has still not decided whether to assist me. Their emergency assistance area handling this have been terrible.
Need to get their act right!
Taking out a travel insurance policy with NRMA. As a customer of all our insurance needs. They let us down this time.. As for our medical conditions for a quote jump from $116.00 to $252.00.. For 8 days of domestic insurance. So what is wrong about us using our Medicare and our private health fund? As I said to them that we don't need medical insurance..I had read bad reports of NRMA, and hate to find out about making a claim with them...As one said Thieves NRMA on travel insurance bloody greedy....
Travel insurance no stars..
No stars rating.. Thieves NRMA on travel insurance bloody greedy. Don't pay out on delays or your holidays. Been spoilt. Don't stranded.. Go with NRMA. You'll be sick.. Trying to claim.. Then 5 weeks later saying no.Refunds.. Very evil. And then charge you to leave.. And no refund...
- Verified customer
Very impressed and grateful
We have an Annual Multi Trip International Comprehensive policy and we were travelling in western China in September when I suffered a significant leg injury that required surgery within two weeks. After four days NRMA had me medically evacuated back to the Gold Coast with both of us flying in business class so I could put my leg up during the flight. Because I had private health insurance in Australia NRMA arranged for a top surgeon at a private hospital and had a vehicle waiting at Brisbane airport to take me straight to the hospital on the G...old Coast. I was operated on successfully two days later. NRMA also paid for our overseas medical, additional and cancellation expenses ten days after submitting the receipts as promised. We have been using NRMA travel insurance since we retired and we have always found them to be very competitively priced compared to other insurance policies - especially if you are a home insurance customer.
I have been a NRMA customer for 26 years. I am also a frequent traveller and while shopping for travel insurance for a trip in April next year, I came across NRMA annual multi trip travel insurance. It seemed like a reasonable deal - $611 per year - so I signed up. I received my insurance certificate, effective 04 July 2018, so I did not think any more about it. I am due to fly out to the US on Sunday so I rang NRMA to check if i needed to notify them every time I travelled. Instead I was told that my annual multi travel insurance was not valid...until my trip in April next year. I pointed out to the representative that I would not have bought and paid for a policy that far in advance unless I could use it. No problem, I said, please change the commencement date to today instead of April next year. After liaising with CoverMore, the NRMA representative told me that was not possible. NRMA would have credit the original policy - and I would only receive $458 as I was cancelling outside the cooling off period - and it would take up to five days before receiving the credit, leaving me $600 out of pocket just before I was due to leave. I asked NRMA to cancel my policy and immediately bought an InsureandGo for a lot less. Now I am reconsidering what to do with my other NRMA insurances...
NRMA Travel Insurance is Underwritten by Covermore, Our Loyalty with NRMA means nothing.
Over the past 10 yrs of enjoying cruises in our retirement years and taking out travel insurance with NRMA (which is underwritten by Covermore) and being loyal NRMA customers for over 40yrs, and having at this time approx 10 NRMA Policies, House/Contents Ins, Car Ins, etc We again took out Travel Insurance for a 9 day cruise in March. My husband's mother has had poor health for the past 10yrs, which at the age of 94 yrs is not something that has hindered our travels of 9 cruises over this time. Unfortunately she passed away on our recent cruise...and we flew home to make arrangements and be with family members. Having Travel insurance we felt the financial loss would be covered by Travel insurance. No apparently. Our Elderly mother had a pre existing illness over the past 8 yrs, which at that age would be expected, so we were not covered. Shame on Covermore and shame on NRMA for not providing us with the cover we required and the absence of any consideration for our loyalty over many decades. We will be not renewing any of our NRMA Policies when they become due, which per annum, amount to the same monetary annual amount of our Travel Claim. Loyalty means nothing. And we have now decided to claim the same privilege of our loyalty to NRMA and never deal with them again. But continue to enjoy many Travels each year as planned in our retirement.
- Single Trip
- Verified customer
Drowned my iPad Air .....covermore is pathetic
I drowned an iPad Air with 64G and 3G...I had a receipt for $900. A compulsory quote from a repairer to say that it was a write off cost $50. The excess was $100 and the depreciation took the rest. They offered me $42 for an item that I could still buy new! So to make the claim I was negative $8! It was impossible to discuss it with the NRMA - they flicked it at every attempt. Covermore were appalling for some time until eventually I told them we were in dispute and then they offered more...and we settled. But the stress is not worth it.
Missed our flight because of error in itinerary printout.
All we needed was help to cover a short haul European flight but when we called NRMA we were told we had no claim and were left high and dry. We didn't need a cash payout all we needed was help and what we got was ignored.
Loyalty they say! You are not dealing with NRMA.
We had a family trip to the US (Disneyland etc) planned for February. We decided to get travel insurance through NRMA (at a higher premium than other less well known insurers) because we had a relationship with NRMA and thought our loyalty would count for something. At the time we had 7 policies with them and had been a member for nearly 30 yrs without a claim. My son broke his ankle 2 weeks before we were supposed to leave and was unable to fly so we had to cancel the holiday. When we made the claim we were quickly handed over to Covermore ins...urance who it turns out the policy was with. Covermore acknowledged that our claim was legitimate but refused to cover the $1200 cancellation fees charged by the travel agent. How are "Travel" Agents cancellation fees not covered by "travel" insurance (particularly when the travel agent was Flight Centre who recommend Covermore). When I contacted NRMA they told me it had nothing to do with them and quickly washed their hands of me. I later rang an NRMA consultant and asked if they thought travel agents cancellation fees would be covered by the policy and they said "they couldn't see why not". Very disappointed. Bought the policy with NRMA because of their reputation but all they were interested in was taking the sale. I am now a disgruntled "loyal" customer looking for many insurance alternatives.
NRMA travel insurance claims process more painful than Root Canal
A little over 2 months into a 5 month trip to France I experienced excruciating tooth pain as a result of an infection under a tooth. As a result I had to seek professional advice and treatment from a dentist in Lyon. As a soon as I returned to Sydney in 2017, a claim was submitted to NRMA for around $1400. The following is a list of the documents requested and provided to date:
1. Airline Ticket with travel details
2. Credit card statement showing the purchase of the travel ticket.
3. My claim form that id...
- Single Trip
- Verified customer
They don't tell you everything!
Policy seemed great and easy to apply for, after doing some research this seemed like the best. During my trip to Vanuatu, I perforated my eardrum, which caused me to be out of work for 2 weeks. I lost over $1100 of income and being casual, was not paid sick leave at work. I had proof of my rostered shifts and when trying to submit a claim for loss of income, was told they only cover your loss of income a month after your return! Any money lost in the first 30 days out of work is not covered! If I had known this prior to leaving I would not have paid over $150 for insurance that would not properly cover me. Disappointed and will NOT be using NRMA again.
- Verified customer
Great until you submit a claim
Like all NRMA policies our travel insurance policy was quick and easy to set up, make the payment and receive the relevant documentation.
Our well known airline carrier cancelled our flight and put us on a flight 24 hours later. As we would miss our connecting flight we had to purchase new replacement air tickets to fly to our destination. Making a claim is done via the web. The process to submit your details is terrible. Your travel agent is also required to submit supporting documentation. The insurance company responses were poor and extremely frustrating seeking additional details and wasting time.
Our claim was denied as this policy only covers delays due to airline strikes. It does not cover operational delays.
Good, and bad.
Purchased online via webpage. Supposedly entitled to 5% Member discount ? At no time asked for membership details. Seemed to be interested in home insurance cover held ?
Can choose to simply not cover pre-existing conditions. Simple. This is for you if you have a non-serious pre-existing condition.
Shocking web forms, calendars for dates of birth are something like 18 months off the mean date for any given age. If you need to go back it cancels the names and addresses. There is a drop down combo box for Visa/MC with no arrow control an...d two buttons that do nothing because they are actually only logos. Radio buttons for two choices guys. Making a choice cancels the details? Credit cards have BIN numbers anyway guys. Final page does not confirm email, nor phone contact details, and get this, *resets* to the home page. So good luck working out your coverage details. Certificate checks out, but otherwise it looks very scammy.
Unfair and pointless
My partner and I spent some time in New Zealand for a holiday and our carry on luggage was stolen out of our rental car. It contained our passports and other belongings. Due to their ridiculous terms and conditions our claim was unsuccessful because they did not cover ‘unattended luggage that was not in the boot.’ Yet, our boot was already full of other larger luggage as the rental car was rather a small vehicle. Their policies are extremely unfair and do not consider the rights of their clients particularly when the circumstances were beyond their control. Would not recommend.
Great service at claim time
This was my first time taking out travel insurance to cover me for sickness but first time ever my luggage’s was delayed and I was so happy with the claim process after I got back. Being jet lag I was so impress how processing the claim over the telephone was so easy and simple. The consultant was very helpful
- Verified customer
NRMA was awesome. Covermore as their underwriters, were NOT!
The policy was a competitive price. My husband and I went to Europe and we're supposed to take a transatlantic cruise to the USA.
Unfortunately one of our bags was stolen on a train in Italy, containing our passports, expensive Nikon camera equipment, Apple Watch, various chargers and adaptors, and my husband's house and car keys. As it happened on a Friday the Australian consulate in Rome was unable to do anything til Monday.
NRMA were lifesavers. At a time when we were thoroughly shaken up, frustrated, and upset at the sudden realization t...
Probably alright to use now.
No wonder the NRMA in Feb 2014 changed to the UK Great Lakes insurance for travel. Unfortunately we were probably one of the last NRMA's CGU claims that CGU dwelt with and we got the full treatment such as changing contact person three times, dramatically reducing what we got covered, wanting heaps of extra information, dragging out the process, etc.
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Questions & Answers
Please quote for travel insurance to Fiji between June 19th 2019 to 25th August 2019 with some rental car included. I'm a NRMA seniors member.
Care TeamNRMA Insurance
Hi Connel. We don't provide quotes through Product Review. But click this link www.nrma.com.au/travel-insurance and you will be able to get a quote here or leave your details for someone to contact you. If you have home or contents insurance with us you will get a discount on your travel insurance. ~ Jono
|Category||Travel Insurance||Travel Insurance||Travel Insurance||Travel Insurance||Travel Insurance|
|Contact Number||1300 305 790||1300 305 790||1300 305 790||1300 305 790||1300 305 790|
|24-Hour Phone Contact||No||No||No||No||No|
|Online Live Chat||Yes||Yes||Yes||Yes||Yes|
|Other Insurance Types Offered||Business, Car, Home and Contents, Life and Motorcycle||Business, Car, Home and Contents, Life and Motorcycle||Business, Car, Home and Contents, Life and Motorcycle||Business, Car, Home and Contents, Life and Motorcycle||Business, Car, Home and Contents, Life and Motorcycle|
|Maximum Age Covered||99 years old||99 years old||99 years old||99 years old||99 years old|
|Overseas Emergency Assistance||Not Covered||Not Covered||$10,000,000||Unlimited||Unlimited|
|Emergency Dental||Not Included||Not Included||$10,000,000||Unlimited||Unlimited|
|Pregnancy (max weeks)||24 weeks||24 weeks||24 weeks||24 weeks||24 weeks|
|Resumption of Journey||Not Included||Not Included||Not Included||$3,000||$3,000|
|Hospital Cash Allowance||Not Included||Not Included||$1,000||$8,000||$8,000|
|Overseas Emergency Medical & Hospital Expenses||Not Covered||Not Covered||$10,000,000||Unlimited||Unlimited|
|Loss of Income||$2,000||$2,000||Not Included||$9,000||$9,000|
|Permanent Disability||$10,000||$10,000||Not Included||$25,000||$25,000|
|Luggage & Personal Effects|
|Theft of Cash||Not Included||Not Included||Not Included||$200||$200|
|Delayed Luggage||Not Included||Not Included||$200||$1,000||$1,000|
|Credit Card Fraud||Not Included||Not Included||$3,000 as part of Travel Documents cover||$12,000 as part of Travel Documents cover||$12,000 as part of Travel Documents cover|
|Travel Documents / Passport||Not Included||Not Included||$3,000||$12,000||$12,000|
|Maximum Single Item Limit||$3,000 (Laptops or Cameras)||$3,000 (Laptops or Cameras)||$200 (Any Items)||$4,000 (Cameras)||$4,000 (Cameras)|
|Luggage & Personal Effects||$8,000||$8,000||$3,000||$12,000||$12,000|
|Rental Vehicle Excess||$3,000||$3,000||Optional Extra||$4,000||$4,000|
|Motorbike / Moped Coverage||Optional cover for up to 200cc||Optional cover for up to 200cc||Optional cover for up to 200cc||Optional cover for up to 200cc||Optional cover for up to 200cc|
|Domestic Pet Care||Not Included||Not Included||Not Included||Not Included||Not Included|
|Special Activities Packages|
|Cruise||Optional Extra||Optional Extra||Optional Extra||Optional Extra||Optional Extra|
|Snow / Ski||Optional Extra||Optional Extra||Optional Extra||Optional Extra||Optional Extra|
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